Instant transfers

What you need to know about instant SEPA transfer:

A SEPA transfer in euros made via your app or your online banking can take up to 3 working days to reach the beneficiary account, but sometimes you need funds sent more quickly…

Thanks to instant transfers, the beneficiary account will be credited between 10 and 20 seconds maximum! These transfers are irrevocable.

If the beneficiary bank accepts instant transfers, you will simply be able to choose the option on your Ma Banque app(1) or your online banking. 
It's also free of charge(2) since 9 January 2025.

You can make instant transfers between bank accounts in the European SEPA(3) zone. 

Tips from Sophie, our transfers expert:

  • Only make instant transfers with trusted and confirmed beneficiaries.
  • Double-check the account details and the amount to make sure they are correct.


Ready to make your transfer? You can read our guideline “How to make a transfer” here.
  

 

Last updated: 7th of March 2025

(1) Free download and access to the Ma Banque application, excluding communication costs according to operators. The use of the application requires the use of a communication terminal compatible with Internet access and a subscription to the Crédit Agricole En Ligne service. Services may vary depending on your Regional Bank. App Store is a trademark registered under the name of Apple Inc. Android™ and Google Play are trademarks of Google Inc.
(2) The free instant transfer service applies from 9 January 2025 to payment service providers located in a Member State whose currency is the euro.
(3) SEPA zone: 27 countries of the European Union (Germany, Austria, Belgium, Bulgaria, Cyprus, Croatia, Denmark, Spain, Estonia, Finland, France, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Czech Republic, Romania, Slovakia, Slovenia, Sweden), the 4 EFTA countries (European Free Trade Association - Iceland, Liechtenstein, Switzerland, Norway), the United Kingdom, Vatican, Andorra, the Principality of Monaco and San Marino.